SBA lending by metro area
SBA lenders in Dayton, OH
Which lenders fund Dayton-area businesses, how much, and how the market compares with Ohio: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Dayton area
Ranked by SBA volume funded to businesses located in the Dayton metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 1,841 | $382.8M | $208K | 3.26% |
| 2 | KeyBank National Association | 117 | $59.6M | $510K | 2.56% |
| 3 | First Financial Bank | 152 | $56.8M | $374K | 9.21% |
| 4 | Live Oak Banking Company | 40 | $51.8M | $1.3M | 2.50% |
| 5 | U.S. Bank, National Association | 218 | $42.0M | $193K | 1.83% |
| 6 | Citywide Small Business Development Corporation | 79 | $35.4M | $448K | not reported |
| 7 | Fifth Third Bank | 74 | $29.9M | $404K | 2.70% |
| 8 | United Midwest Savings Bank National Association | 35 | $27.1M | $773K | 2.86% |
| 9 | GBank | 7 | $27.0M | $3.9M | not reported |
| 10 | Alloy Development Co., Inc. | 32 | $25.0M | $782K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Dayton compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Dayton area | $136K ▲ 69.9% | 6.6% ▲ 1.1 pts |
| Ohio | $80K | 5.4% |
| United States | $179K | 11.2% |
What gets funded in Dayton
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 346 | $234.0M |
| Manufacturing | 316 | $192.3M |
| Health Care and Social Assistance | 229 | $132.8M |
| Transportation and Warehousing | 781 | $109.4M |
| Construction | 379 | $99.1M |
| Retail Trade | 313 | $91.8M |
| Professional and Technical Services | 228 | $63.0M |
| Other Services | 210 | $54.4M |
SBA lending in Dayton by year
Geography, precisely
"Dayton area" here means the Dayton-Kettering-Beavercreek, OH metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Greene County, OH; Miami County, OH; Montgomery County, OH. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.